Roy Castillo is a CFP® with 32 years of industry experience. He has been with Frontsight Wealth Advisors, LLC since 2014 and also operates RLC Financial Services, providing tax services and insurance sales through his sole proprietorship. Frontsight Wealth Advisors, LLC offers portfolio management and financial planning primarily to individual and high-net-worth clients, managing approximately $27.9 million across about 52 accounts. The firm creates client-specific investment plans using a combination of fundamental, technical, charting, and quantitative analysis, with strategies ranging from long-term buy-and-hold to short-term trading.

For 20 years, I built a career in banking — 17 of those at Eastman Credit Union in East Tennessee, where I helped families with lending, banking, and their first steps toward investing. In 2018, I discovered Financial Independence, and it changed everything. I restructured our finances, optimized our tax strategy, and built toward FI while still working full time. When we got there, I left banking to build the advisory firm I wish I'd had along the way. I earned my CFP® and became an IRS Enrolled Agent because I wanted to bring financial planning and tax expertise together under one roof. I built OptimalPath Advisors as a fee-only, flat-fee firm because I believe your advisor's cost should reflect the work — not the size of your portfolio. My approach is advice-first and fiduciary. Every client starts with a comprehensive financial plan that includes a Financial Independence Score — a single, clear number (inspired by pension-style funded ratios) that tells you exactly how on track you are. No abstract Monte Carlo probabilities. Just a real number you can act on. From there, you choose the level of ongoing support that fits. Navigator clients get year-round planning, quarterly check-ins, and tax preparation included — while keeping control of their own investments. Summit clients get everything in Navigator plus hands-on investment management, rebalancing, and tax-loss harvesting. Both tiers include tax prep at no extra cost. I work best with FI-minded professionals — DIY investors, early retirees, equity comp recipients, and busy families who want clear direction without product sales, commissions, or percentage-of-assets fees. I live in East Tennessee with my wife, Amanda, and our two dogs, Molly and Peach. We spend as much time as possible outdoors — in the mountains, on trails, and visiting National Parks across the country. Whether you're building toward FI, navigating an early retirement transition, or figuring out what comes next after hitting your number, I'm here to help you move forward — intentionally and in control.

Michael Davis is a financial advisor at AdviPartner, LLC with 19 years of industry experience. He holds the Series 66 designation and has worked at firms including Cetera Advisor Networks, Cwm, GAAM Wealth Advisors, LPL Financial, and Gilbert Advanced Asset Management. AdviPartner, LLC provides discretionary investment management to individuals, high-net-worth clients, and small businesses, managing approximately $50 million across about 100 accounts. The firm employs a primarily passive investment approach, using asset-class-weighted portfolios with index mutual funds and ETFs, while incorporating fundamental and technical analyses to tailor allocations based on client needs.

Pamela Rehart is a financial advisor with Integrity Capital Management in Kingsport, TN, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. She has been with Integrity Capital Management since 2007. Outside of her advisory role, she is the owner of BRAC Properties, a non-investment-related business. Integrity Capital Management serves individual investors, high-net-worth households, trusts, and foundations with discretionary portfolio management, financial planning, and retirement-plan consulting. The firm employs a strategic asset-allocation approach across global, multi-asset-class portfolios, primarily using mutual funds and ETFs, with regular portfolio reviews and a documented due-diligence process.

Joseph Bailey is a CFP® professional with 21 years of industry experience. He has been with Integrity Capital Management since 2006. Outside of his advisory role, he owns B-Squared Consulting LLC, a technology and compliance consulting business. Integrity Capital Management serves individual investors, high-net-worth households, trusts, and foundations with discretionary portfolio management, financial planning, and retirement-plan consulting. The firm uses a strategic asset-allocation approach across global, multi-asset portfolios primarily composed of mutual funds and ETFs.

John Atkins is a CFP® with 21 years of industry experience, currently serving at Integrity Capital Management since 2007. He is a member of the boards of a social services nonprofit and a Presbyterian church, where he oversees management and budgeting responsibilities. Integrity Capital Management serves individual investors, high-net-worth households, trusts, and foundations with discretionary portfolio management, financial planning, and retirement-plan consulting. The firm employs a strategic asset-allocation approach using mutual funds and ETFs, conducting regular portfolio reviews and maintaining individualized account management.

Kaylee Feathers is a financial advisor at Aldebaran Financial Inc. with a Series 65 designation and two years of industry experience. Prior to joining Aldebaran Financial in 2023, she worked at Eastman Credit Union and Ashford Advisors. Aldebaran Financial Inc. provides discretionary portfolio management and consulting to individuals, pension and profit-sharing plans, trusts, and estates. The firm employs a strategic asset-allocation approach with global diversification, combining passive and active funds, individual securities, and options, and offers additional services including limited-scope estate-planning legal support and tax preparation.

Peter Raber is a financial advisor at Aldebaran Financial Inc. with 16 years of industry experience. He holds a Series 65 designation and has been with Aldebaran Financial since 1995. Aldebaran Financial Inc. provides discretionary portfolio management and consulting services to individuals, pension and profit-sharing plans, trusts, estates, and other entities. The firm employs a strategic asset-allocation approach with global diversification, utilizing both passive and active mutual funds and ETFs, individual stocks, municipal bonds, and options, and offers additional services including limited-scope estate-planning legal support and simple tax return preparation.

Richard Halliburton is a financial advisor with Tradition Investment Management, LLC, holding Series 65 and Series 63 certifications and bringing 20 years of industry experience. His background includes roles at Insulet Corporation, SA Stone Wealth Management Inc., and Quest Capital Strategies, Inc., as well as 30 years of service in the US Army Reserves. He is also the owner of an insurance brokerage focused on life insurance and annuities. Tradition Investment Management, LLC provides discretionary and non-discretionary portfolio management and advisory services primarily to individual and high-net-worth clients, using a tailored investment approach that incorporates asset allocation, dollar-cost averaging, and both long- and short-term trading strategies.

Brian Brummett is a Series 65 licensed advisor with Aldebaran Financial Inc., where he has worked since 2016, accumulating eight years of industry experience. He is based in Kingsport, TN, and is one of three advisors at the firm. Aldebaran Financial Inc. provides discretionary portfolio management and consulting services to individuals, pension and profit-sharing plans, trusts, estates, and other entities, managing approximately $222.8 million across about 350 client accounts. The firm’s investment approach emphasizes strategic asset allocation using fundamental and technical research and includes a range of securities such as mutual funds, ETFs, individual stocks, municipal bonds, and options. Additionally, Aldebaran offers tax preparation and limited-scope estate-planning legal document services through an in-house attorney.

Angela Williams is a Series 66-credentialed financial advisor at Integrity Capital Management with 19 years of industry experience. She has been with the firm since 2007. Outside of her advisory role, she is the owner of BRAC Properties, a non-investment-related business. Integrity Capital Management serves individual investors, high-net-worth households, trusts, and foundations with discretionary portfolio management, financial planning, and retirement-plan consulting. The firm employs a strategic, asset-allocation approach across global, multi-asset-class portfolios using mutual funds and ETFs, with quarterly reviews and weekly monitoring for rebalancing.

Bradford Jones is a financial advisor with Infinity Financial Services Advisory, holding a Series 66 designation and 11 years of industry experience. He previously worked at Trustmont Advisory Group and has been with Infinity Financial Services since 2016. Outside of his advisory role, Jones is a principal at Stonemill Partners, a mergers and acquisitions firm where he conducts business valuations and marketing. Infinity Financial Services Advisory serves individuals, pension and profit-sharing plans, charitable organizations, and small businesses. The firm offers discretionary portfolio management guided by detailed investment profiles and employs a range of analytical methods and strategies across various asset classes.

Pak Tung Le is a financial advisor with Kovack Advisors, Inc., holding a Series 66 designation and 22 years of industry experience. He previously worked at The Investment Center Inc and National Planning Corporation, among other firms. Le owns a financial planning and advisory business under the name FINANCIALWIZDOM. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves a diverse client base including individuals, pension plans, charitable organizations, banks, and municipal clients, offering portfolio management, financial planning, and access to sub-advisory programs through a combination of internally created and third-party models.

Samuel Ross is a CFP®, ChFC®, and Series 63-licensed financial advisor with 43 years of industry experience. He has been with ON Investment Management Co. since 2007 and concurrently involved with affiliated firms including THE O.N. Equity Sales Company and Ohio National Financial Services. Outside of advisory services, Ross operates a tax preparation business and serves as a vice president at Secure Money Masters, where he is involved in selling insurance products. ON Investment Management Company (ONIMCO) is a SEC-registered investment adviser that provides financial planning, portfolio management, and retirement-plan advisory services to a diverse client base including individuals, families, trusts, charitable organizations, and businesses. The firm employs a dual-registration model, offering both discretionary and non-discretionary management options while maintaining broker-dealer activity and relationships with multiple program sponsors.

Michael Bird is a CFP® and ChFC® with 29 years of experience in the financial services industry. He has been with ON Investment Management Company and its affiliated firms since 2013. In addition to his advisory role, he is involved in insurance sales and operates a tax preparation business. ON Investment Management Company is a SEC-registered adviser serving individuals, families, trusts, charitable organizations, businesses, and plan sponsors with financial planning, portfolio management, and retirement-plan advisory services. The firm uses a dual-registration model combining advisory and broker-dealer activities and offers access to third-party investment programs alongside customized portfolio management.

William Bingham is a financial advisor at Silver Oak Securities, Inc. with 33 years of industry experience. He holds the Series 63 designation and has been with Silver Oak Securities since 2013. He is also part owner of Beez Bikes and More, a business unrelated to investments. Silver Oak Securities serves individuals, pension plans, corporations, trusts, estates, and other entities through a network of over 100 financial professionals, offering a variety of advisory programs tailored to client objectives and risk tolerances. The firm manages approximately $2.4 billion in discretionary assets and provides services ranging from customized portfolios to retirement plan consulting and third-party manager referrals.

Jordan Carrier is a financial advisor at ON Investment Management Company with three years of industry experience. He holds a Series 66 credential and previously worked at Secure Money Masters, the Department of Veterans Affairs, and Bristol Tennessee Essential Services. Outside of advising, he is a commissioned public notary in Tennessee and is affiliated with NOBOX, an estate planning organization. ON Investment Management Company is a SEC-registered adviser serving individuals, families, trusts, estates, charitable organizations, businesses, and ERISA plan sponsors. The firm provides financial planning, portfolio management, and retirement-plan advisory services, utilizing a mix of discretionary and non-discretionary third-party investment programs.

Thomas Davis is a financial advisor at CL Wealth Management LLC with 13 years of industry experience. He holds a Series 66 designation and has worked at firms including Edward Jones and SB Advisory, LLC. Outside of his advisory role, he operates a small eBay account selling clothing items. CL Wealth Management LLC provides portfolio advisory and financial planning services to a broad range of clients, including individuals, pension and profit-sharing plans, trusts, and business entities. The firm tailors investment strategies using fundamental and technical analysis and manages accounts through both discretionary and non-discretionary approaches.

William Sjem is a CFP®-certified financial advisor at Guardian Life with 12 years of industry experience. He has worked at firms including SFIS and Cavalier Advisory & Insurance. His other business activity includes clerical work as a non-licensed contractor for SFIS. Guardian Life’s subsidiary, Park Avenue Securities LLC, operates as a dually registered broker-dealer and SEC-registered investment adviser serving individuals, pension plans, charitable organizations, and corporate clients with brokerage, financial planning, and investment advisory services.

Zachary Colvin is a financial advisor with Concurrent Investment Advisors, LLC, holding Series 66 and Series 63 credentials and has four years of industry experience. Prior to joining Concurrent, he worked at Wells Fargo Advisors in multiple roles and also spent time at Foreside Fund Services, LLC and Global X ETFs. He is based in Kingsport, TN. Concurrent Investment Advisors, LLC is a multi-team SEC-registered advisory firm serving individual, high-net-worth, family, trust, estate, business, and retirement plan clients. The firm focuses on customized, primarily long-term portfolios using ETFs, mutual funds, individual securities, and alternative investments, supported by internal due diligence, strategic asset allocation, and various operational tools.